Can CCB credit card balance be temporarily adjusted after installment payment?

CCB credit card balance can be temporarily adjusted after installment payment. Relevant rules for CCB credit card temporary limit adjustment:

1. The prerequisite for applying for a temporary limit is good credit and no overdue records. The application result for the temporary limit is closely related to the card usage and repayment record.

2. The increased temporary credit limit is generally valid within 30 days. After expiration, the limit will be automatically restored to the original limit.

3. The credit limit of supplementary cardholders is set by the primary card, and the credit card center cannot adjust the credit limit for supplementary cardholders. After increasing the temporary credit limit, if the credit limit of the additional card has been set, the limit of the additional card will not be changed. If the credit limit of the supplementary card is not set, when the temporary credit limit is increased, the credit limit of the supplementary card will also be increased.

4. If you have never used the temporary quota before, and the proportion of the quota you usually use is not high, the initial application may not be adjusted to a high amount at one time or not temporarily.

5. The temporary limit can reach up to 50% of the fixed limit.

How to apply for temporary limit adjustment of CCB credit card:

1. Apply for temporary limit adjustment via SMS

After sending "te#last four digits of card number# to apply for a limit" to 95533 via a mobile phone bound to a CCB credit card, you will receive the limit adjustment result.

2. Self-service voice application for temporary quota adjustment

Use the phone to call the CCB customer service hotline, press "3. Quota inquiry and adjustment" - press "2. Quota adjustment" to adjust the temporary quota Press 1".

3. Apply for a temporary limit adjustment through online banking

There is an option to apply for a limit adjustment in the credit card menu of online banking. Follow the prompts and choose to apply for a limit adjustment. Card, enter the application amount, click the "Submit" button, and the application success message will appear. CCB Credit Card Installment Limit

When customers apply for consumption installments, they must be within the permanent limit approved for you. (For example, if the approved quota for you is 10,000, and you want to buy something worth 15,000, deposit 5,000 to redeem it. Look! It’s a redemption! It’s no problem! It’s possible to redeem it! But you can’t apply for installment. You have to do it. For installments, you can only apply in two installments, one for 10,000 and the other for 5,000. In short, the same sentence applies: the installment must be within the approved permanent limit for your CCB credit card. Available limit after payment

Under normal circumstances, the amount of credit limit restored after installment of CCB credit card is related to how much you repay. That is to say, the bank will restore the amount to you, not you, as much as you repay. You can return to the previous limit by paying off one installment.

If you have funds, you can also choose to repay in installments in advance, so that the entire installment limit can be restored. However, if you repay in installments with a bank credit card, The handling fees charged in previous installments are non-refundable. After paying in installments with CCB credit card, can I repay it in full in advance?

The installments of CCB credit card include consumption installment, bill installment, cash installment, and car purchase installment. Anju installment, installment payment and other services.

If all consumption installments, bill installments and cash installments are terminated early, the handling fees for the remaining installments must also be paid off in full, so early repayment is not allowed. It’s a good deal.

If you terminate the car installment plan, the Anju installment plan, or the installment plan early, you can apply to CCB customer service to adjust the handling fee for the remaining installments.

My card is also CCB. Yes, it’s a red fraternity card, and the credit limit at the beginning was 5K.

The answer to your question is 1: You can’t buy 8K goods with a credit limit of 5K. 2. : The owner’s consumption amount must be less than the credit limit. The credit limit will be deducted in 12 installments at once, and the consumption will be paid back over 12 months.

3: Be good at calculating

The poster needs to do the following: ensure active consumption every month, diversify repayment methods, repay in installments as well as once, ensure a good personal credit record, use 6 You can apply to increase the credit limit after a few months. Generally, banks will increase the credit limit for the owner based on the owner's past consumption and the bank's profit from the card. If the poster likes the product very much and wants to buy it at once and repay it in installments, he can apply for a zero-hour credit limit increase. Generally, banks can also accept the poster's application. I hope that the poster can buy what he likes and use his credit card rationally. ,hehe! Come to me if you have any questions.

If you apply for installment, the installment amount will occupy your credit limit in full. After each installment amount is recorded and you repay, the limit will gradually be restored.

To give a simple example, if you have a quota of 5,000 and no other consumption, you will pay 1,500 in installments on Taobao. Then your available quota now is 3,500. If you apply for 3 installments, after the first installment amount of 500 is credited and you repay 500, your available limit will be restored to 4,000. CCB Credit Card Installment Payment Conditions

Business Introduction

CCB Long Card Credit Card Consumption Installment Payment (hereinafter referred to as "Consumption Installment") business refers to the payment period between the cardholder's consumption and the date of the latest statement. On the 2nd (foreign currency consumption must be from after the consumption transaction is recorded to 3 working days before the latest bill date), call our bank to apply for the business of installment the consumption amount one by one and repay it monthly within the agreed period.

Advantages: The consumption of applying for this business is not restricted by stores and commodities. As long as the transaction meets our bank's conditions and a certain monthly handling fee is paid, it can be processed.

Applicable people: Dragon Card credit card principal cardholders.

Applicable conditions: The cardholder spends RMB 1,000 or equivalent in foreign currency in a single transaction.

Optional number of issues: You can freely choose between 3, 6, 12, 18, and 24 issues (one issue per month).

Processing process

Step 1: Read the terms of consumption installment business through the CCB website;

Step 2: After consumption to 2 days before the latest bill date ( Foreign currency consumption must be transferred to manual service by calling 400-820-0588 (for non-400 service areas, please call 021-38690588, and from overseas, please call 86-21-38690588) from the time the consumption transaction is recorded to 3 working days before the latest bill date. ;

Step 3: Submit a consumption installment application;

Our bank will process the application within 2 days after accepting it. The review results will be notified via text message. Cardholders can also call 400- 820-0588 (for non-400 service areas, please dial 021-38690588, and from abroad, please dial 86-21-38690588) for enquiries.

Rate standard: 0.7 for 3 periods, 0.6 for 6 periods, 0.6 for 12 periods, 0.6 for 18 periods, 0.6 for 24 periods.

Reference example:

If Your bill date is the 17th. You purchased a home appliance worth 2,500 yuan on April 8, 2015. On the third day after swiping your card (April 11), you called CCB to apply for consumption installment. The number of installments is 12. The 12-month installment fee you choose is 0.60%, so the monthly repayment amount is: 2500×0.60% 2500÷12＝15＋300＝223.33 yuan, that is, you only need to return 223.33 yuan every month without paying any more Other fees. How to calculate installment payment with CCB credit card?

Currently, most bank credit card bills and single installment business periods are available in 1, 3, 6, 9, 12, 18, 24 and 36 periods, with a single monthly handling fee The rates are also slightly different. Taking a bank as an example, the corresponding rates are 1.5, 0.8, 0.8, 0.76, 0.73, 0.75, 0.75 and 0.75 according to the corresponding period.

Credit card installment business is not the same type of business as loans. What is charged is a handling fee, not loan interest. With the popularity of credit cards, credit card installments occupy a large amount of bank funds. Taking into account the rise in capital costs, banks have therefore increased installment payment fees.

Credit card installment business is mainly divided into three categories: bill installment, single consumption installment and cash installment. Although it is said to be "interest-free", the installment fees cannot be underestimated, and some are even very high. Some handling fees are charged in advance in one lump sum, while others are repaid monthly along with the principal. For the one-time charge, if the user repays in advance, the handling fee will not be refunded. About CCB credit card installment payment

Dragon Card generally allows installment payment. In short, it is recommended that if you are unable to apply for installment, it is best to pay back more to avoid losing too much interest and making it useless. Not many people understand the way banks calculate interest, haha.